Credit card borrowers can sue. If there is evidence, they can directly bring a civil lawsuit through the court, demanding the other party to return the credit card and pay off the overdraft amount and interest. Evidence: 1. Bank bills or reminders; 2. Deposit receipt issued by the bank? ; 3. You can apply to the court to collect evidence, such as the signature and identification when swiping the card and the current video data taken by the other bank; In the absence of IOUs, the lender can prove the existence of the loan relationship through the short message records, total recall, bank transfer vouchers, witness testimony and other evidence communicated by the borrower and the borrower, forming an evidence chain for prosecution.

if the actual cardholder fails to repay the money as agreed, then the credit card holder must repay the money on his behalf. After all, the money is swiped from the cardholder's credit card. If a friend really doesn't pay it back, you can collect evidence and then sue in court.